Guaranteed FedNow® A2A Account-to-Account B2B Real-Time Funding Using Request for Payment

Secure, Automated Digital Invoicing with ISO 20022 Request-for-Payment Messaging

Optimize B2B Payments with FedNow® Merchant’s Billing & ISO 20022 Messaging

Seamless Digital Invoicing & Real-Time Payment Processing

Revolutionizing B2B Transactions with FedNow® Request-for-Payments

The future of B2B payment automation is here with FedNow Merchant's Billing B2B using Request for Payments for FedNow, Real-Time Payments (RTP), and Same-Day ACH – all using ISO 20022 messaging to and from payment platform hubs. Businesses can now leverage digital invoicing, automate recurring payments, and ensure real-time settlements across multiple financial networks. ISO 20022 Request-for-Payment (RfP) messaging standardizes financial transactions, enabling faster, more secure, and efficient fund transfers.

By integrating FedNow® RfP with RTP® and Same-Day ACH, businesses eliminate manual reconciliation errors, late payments, and cash flow disruptions. Automated invoicing via text, mobile, and email ensures seamless B2B payment processing, allowing merchants and billers to request payments directly from customers and payers. This scalable, fraud-resistant solution is ideal for enterprises looking to modernize their financial workflows.

FedNow® – Automate B2B Billing with Request-for-Payment (RfP) & ISO 20022

Faster, More Secure Business Transactions Across Payment Hubs

FedNow Merchant's Billing B2B using Request for Payments for FedNow, Real-Time Payments (RTP), and Same-Day ACH all using ISO 20022 messaging to and from payment platform hubs ensures instant, automated digital invoicing. By using ISO 20022 messaging, businesses can request and process payments in real-time, reducing settlement delays and improving transaction security. This system supports batch payments, recurring invoicing, and mobile-friendly transactions, making it an ideal solution for B2B operations.

With FedNow® RfP, businesses can eliminate paper-based invoices, automate reconciliation, and improve payment tracking. Real-time monitoring and fraud prevention tools enhance security, while seamless integration with RTP® and Same-Day ACH ensures uninterrupted financial operations. This digital invoicing solution enables businesses to scale, streamline transactions, and enhance cash flow predictability.

• FedNow® RfP real-time B2B billing with ISO 20022 messaging
• Automated digital invoicing for secure business transactions
• Instant request-for-payments across RTP®, ACH, and payment hubs
• FedNow® merchant billing for seamless cash flow management

Creation Request for Payment Bank File

Enhance Your FedNow Billing Payment Requests with FedNow’s ISO 20022 Messaging

Streamline Payments with Advanced Request for Payment Options:

Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.

Flexible Invoice Details with ISO 20022 Messaging:

Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.

Customizable Merchant Pages for Enhanced Customer Experience:

Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.

Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.


Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.

... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.